And here lies the worst part of Federal Court review of your ERISA LTD claim. If the Federal Judge agrees with us that you are disabled and the insurer was wrong in finding otherwise, YOU STILL DON’T WIN!
What should you do if you become disabled and unable work? For most people, the first step is to file for Social Security Disability. However, you may have additional options such as short-term and/or long-term disability insurance (STD and LTD, respectively) through your employer. This blog is designed to provide you with an overview of…